Selling a Hawaii house before a foreclosure

If you have received a lender notice, fallen behind on payments, or see a possible sale date ahead, you may want to know every option before time runs short. One option is a written as-is cash offer from Fast Hawaii Home Buyers that you can compare with a loan modification, a listing, or other choices you discuss with your lender or an attorney.

We look at homes on Oahu, Maui, Kauai, and Hawaii Island, in any condition. You do not need to make repairs, clean out the house, or hold showings. We review the property, the amount owed, liens, and the timeline you are facing, then explain the terms in writing. There is no obligation to accept.

We do not promise to stop a foreclosure or to close by a set day. Closing timing depends on escrow, title, liens, any lender approval, and how quickly payoff figures arrive. Starting early gives everyone more room to work.

Who this is for

Hawaii homeowners who have fallen behind on the mortgage, received a notice of default or sale date, or are weighing a cash sale against a modification or listing. We buy as-is on Oahu, Maui, Kauai, and the Big Island. You do not need repairs or showings.

What a cash offer can and cannot do

A written cash offer can give you a clear price and timeline to compare with other options. It cannot stop a foreclosure by itself, wipe out a mortgage balance you still owe above the sale price, or guarantee a close before a sale date. Closing still depends on escrow, title, liens, and any lender approval.

How it works

Call (808) 720-0222 or request an offer online. Share the address, the situation, and any dates you know. We review the details and send a written offer. If you accept, a Hawaii escrow company handles the closing.

How we work: we sign a purchase agreement with you. We may close the purchase ourselves or assign the agreement to a local investor partner. Your price and terms in the agreement stay the same either way.

Get Your Cash Offer or call (808) 720-0222. You can also read about the Hawaii foreclosure timeline.

Foreclosure FAQ

Can you stop a foreclosure?

No. We do not promise to stop a foreclosure or to close by a set day.

What does timing depend on?

Escrow, title, liens, and the lender. You choose whether to accept the offer.

What if I owe more than the house is worth?

Tell us. A sale may need lender approval, and we will be clear if our offer does not cover the payoff.

What about liens or unpaid property taxes?

Tell us about known liens, judgments, and tax balances. Escrow requests payoffs and pays them from sale proceeds when possible. If the total owed is above our offer, we say so clearly — a short payoff needs lender approval and is not guaranteed.

What if I am in bankruptcy?

Talk with your bankruptcy attorney first. We do not give legal advice. A sale may need court or trustee approval depending on your case.

How is a written cash offer different from listing with an agent?

A listing aims for retail buyers and usually involves showings, repairs, and commissions. Our offer is as-is, with no showings required, and we disclose that we may buy or assign the contract. Compare both in writing and choose what fits your timeline and numbers.

Is this legal advice?

No. A written offer is one option to compare. It does not replace talking with your lender, an attorney, or a HUD-approved housing counselor.

What to gather before you call

Having a few documents ready helps us give you a clear written offer sooner:

- The most recent mortgage statement and any notice of default or acceleration letter from your lender.

- Any notice of a sale date, court filing, or letter from the lender's attorney.

- HOA or AOAO statements if you own a condo or are in an association, plus any property tax balance owed to the county.

- A short list of known repairs. The house can be in any condition.

How escrow works when a sale is tight on time

If you accept our offer, a Hawaii escrow company requests payoff statements from your lender and any lienholders, orders a title report, and prepares closing documents. Payoffs are paid out of the sale proceeds at closing. If what you owe is more than the sale price, the lender would need to approve a short payoff, which can take longer and is not guaranteed. We tell you plainly if our number does not cover the payoff.

Hawaii foreclosures can be judicial (through the courts) or nonjudicial, and timelines vary. We do not give legal advice. A HUD-approved housing counselor or a Hawaii attorney can explain your rights and options at no or low cost.

We may close ourselves or assign the purchase agreement to a local investor partner. That is disclosed in every offer, and your price and terms stay the same either way.

Will you pressure me to sign?

No. Take the written offer, compare it with your other options, and decide. There is no obligation.

Can I stay in the house until closing?

Usually, yes. Occupancy and move-out timing are written into the agreement.

We review homes facing foreclosure on Oahu, Maui, Kauai, and the Big Island. Request your written cash offer or call (808) 720-0222.